Cheap Insurance Quotes for a Chevrolet Malibu in Kansas

Our editors keep telling us that when writing about auto insurance, the word cheap should not appear anywhere to describe car insurance prices. Despite the oxymoron, cheap auto insurance for a Chevrolet Malibu is pretty hard to find. But don’t despair, because there may be ways you can still get coverage that won’t break the bank.

The chances of buying the cheapest car insurance for a Chevrolet Malibu in Kansas hinges on a complicated formula that considers factors such as annual vehicle mileage, the performance level of your vehicle, and physical damage deductibles. Drivers pay on average $780 annually to buy insurance for a Chevrolet Malibu, but that amount is an estimate that uses rate data for a 50-year-old married male who requires full coverage including both comprehensive and collision and $100 policy deductibles.

It’s highly likely that you’re not a 50-year-old male, single instead of married, or maybe your Malibu is old enough that it doesn’t require full coverage. What appears to be a small change in rating variables can result in a massive change in the rate quoted for a Chevrolet Malibu.

Everyone has unique insurance needs, and this illustrates why your best chance at finding the cheapest rates for your Chevrolet is to take your time and compare rates from as many companies as possible. In less than five minutes you will be able to see rates from the cheapest companies that sell coverage in Kansas.

Find Cheaper Chevrolet Malibu Insurance

Your Chevrolet’s trim level impacts the cost of coverage, so the rate you pay to insure a Malibu LS will be $94 less than the insurance cost for the more expensive Malibu LTZ version, as shown in the prices below.

Premium data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Kansas minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, multi-vehicle, and homeowner. Rate information does not factor in the specific area where the vehicle is garaged which can lower or raise auto insurance rates considerably.

Figuring out which insurers offer the cheapest auto insurance rates for a Chevrolet Malibu will take a tad more effort in order to find the most economical policy.

Each company has their own formula to set premium rates, so let’s look at the rankings for the lowest cost auto insurance companies in Kansas. It’s important to know that Kansas auto insurance rates are influenced by many factors which can substantially change the price of coverage. Getting older, buying a home instead of renting, or getting caught speeding may prompt premium changes that can now make some companies cheaper than others.

Best Cheap Insurance Rates for Your Malibu

Get a Free Quote and Save

USAA quotes some of the best car insurance rates in Kansas at around $766 per year. The Hartford, Allied, Travelers, and Auto-Owners also rank well as some of the lowest-priced Kansas auto insurance companies.

As the example above demonstrates, if you are currently insured with Auto-Owners and switched to The Hartford, you may realize a yearly price reduction of roughly $256. Drivers with Farmers could save as much as $357 a year, and Farm Bureau Mutual policyholders might realize rate reductions of up to $404 a year.

These premium estimates are averaged across all types of insureds and vehicles and do not take into consideration a specific rate value for a Chevrolet Malibu. So the car insurance company that is best suited for you may not even be included in the list of companies shown earlier. That is why you need to get rate quotes using your own specific driver information and vehicle.

Get discount Kansas auto insurance rates

Insurers that provide cheap insurance for a Chevrolet Malibu in Kansas could also offer policy discounts that could lower prices by 40% or more if you can meet the requirements. A few of the larger companies and their possible discounts are included below.

The chart below illustrates the comparison of insurance costs with and without discounts. Data assumes a female driver, no claims, a clean driving record, Kansas state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows the average rate with no discounts. The second shows the rates with vehicle safety, multiple policy, multiple vehicle, safe-driver, anti-theft, and marriage discounts applied. When discounts are factored in, the the amount saved on auto insurance for a Chevrolet Malibu is % or $.

Rate increases following a ticket or accident

The easiest method to maintain the best auto insurance prices for a Malibu is to pay attention while driving and avoid accidents and traffic citations. The illustration below shows how speeding tickets and at-fault accidents can influence auto insurance costs for each age group. The price estimates are based on a single female driver, full coverage, $250 deductibles, and no policy discounts are applied.

The data charted above shows the average cost of auto insurance in Kansas per year with a clean driving record and no accidents is $1,843. Get two speeding tickets and the average cost hikes up to $2,480, an increase of $637 each year. Now add two accidents along with the two speeding tickets and the 12-month cost of auto insurance for a Chevrolet Malibu increases to an average of $4,736. That’s an increase of $2,893, or $241 per month, just for not driving safely!

State Farm, Allstate, Progressive, or Geico: Who is cheapest?

When researching insurance for a Malibu in Kansas, four companies you’ll want quotes from are State Farm, Allstate, Progressive, and Geico. The next table points out ratings for price, service, and claims, in additional to some of the optional coverages .